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Heart diseases is amongst the most critical illness in the world and as per a report by the WHO, out of the total deaths occurred in the world, 16% are caused due to heart diseases. Similar to this critical illness, there are several other critical illnesses that can take months of treatment and can incur heavy medical expenses. Therefore, it is always advisable to have a critical illness benefit insurance plan so that you can cover for such medical emergencies.

To provide a cover for most prevalent 36 critical illnesses, Bajaj Finance has devised its Lifestyle Protection Group Insurance Policy Critical Illness Cover – 36 Critical Illnesses from Manipal Cigna Health Insurance which offers a cover for 36 critical illness with a sum insured upto Rs. 3 Lakhs.

Plan Details

Age Bands
Sum Insured
Rs. 1 Lakh
Rs 2 Lakhs
Rs 3 Lakhs
Premium (Including GST)
Premium (Including GST)
Premium (Including GST)
18-35
Rs. 310
Rs. 589
Rs. 867
36-55
Rs. 1,122
Rs. 2,182
Rs. 3,242
56+
Rs. 6,101
Rs. 11,948
Rs. 17,795

Eligibility Criteria: Individuals between the age group of 18-65 years can avail this policy.

Plan Validity: The policy is valid for a period of 1 year.

What's Covered

  • Money-in-bank

    During the policy tenor if the insured individual undergoes any of the Illness listed below

    - Cancer of specific severity
    - Myocardial Infarction (First Heart Attack – of Specific Severity)
    - Open Chest CABG
    - Open Heart Replacement or Repair of Heart Valves
    - Coma of Specified Severity
    - Kidney Failure Requiring Regular Dialysis
    - Stroke Resulting in Permanent Symptoms
    - Major Organ/ Bone Marrow Transplant
    - Permanent Paralysis of Limbs
    - Motor Neuron Disease with Permanent Symptoms
    - Multiple Sclerosis with Persisting Symptoms
    - Primary Pulmonary Hypertension
    - Aorta Graft Surgery
    - Deafness (Loss of Hearing)
    - Blindness (Loss of Sight)
    - Aplastic Anemia,
    - Coronary Artery Disease
    - End Stage Lung Disease
    - End Stage Liver Failure
    - Third Degree Burns (Major Burns)
    - Fulminant Hepatitis
    - Alzheimer’s Disease
    - Bacterial Meningitis
    - Benign Brain Tumor
    - Apallic Syndrome
    - Parkinson’s Disease
    - Medullary Cystic Disease
    - Muscular Dystrophy
    - Loss of Speech
    - Systemic Lupus Erythematous

    Waiting Period

    Waiting Period Name

    Duration

    Critical Illness Waiting Period

    90 days

    Survival Period

    30 days

    Survival Period – It is the usual waiting period an individual must survive outside of a waiting period of 90 days in situations of 30 critical illness mentioned above.

What's not covered?

- Any already existent ailment

*For a full list of exclusions, please refer to the policy wordings.

How to apply

1

Click on ‘Apply Now’ button and share your basic details in the online application form.

2

Check and confirm your application by entering the OTP received on your mobile number.

3

Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

4

You will receive the details of your membership via email/whatsapp.

Claim process

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries related to coverage, exclusions, or claims, please write to us at pocketservices@bajajfinserv.in
Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCigna FlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.”

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